Free Individual Accident and Health Provisions Practice Questions
Minnesota Accident & Health exam — 108 practice questions.
Subtopics: Free look, Grace period, Reinstatement, Notice of claim, Proof of loss, Time payment of claims, Physical exam and autopsy, Legal actions, Change of beneficiary, Renewability, Pre-existing conditions, Coordination of benefits, Right to cancel, Entire contract; changes, Time limit on certain defenses, Reinstatement premium, Claim forms, Facility of payment, Payment of claims, Physical examination and autopsy, Entire contract, Time of payment of claims, Change of occupation, Misstatement of age, Illegal occupation, Intoxicants and narcotics, Conformity with statutes, Insuring clause, Guaranteed renewable, Noncancelable, Conditionally renewable, Cancelable, Probationary period, Elimination period, Coinsurance, Free look provision, Consideration clause, Pre-existing condition provision, Sickness waiting period, Other insurance in this insurer, Insurance with other insurers, Other insurers per diem, Unpaid premium, Cancellation provision, Flat deductible, Per-cause deductible, All-cause deductible, Corridor deductible, Integrated deductible, Carryover provision, Common accident provision, Restoration of benefits, Benefit period medical, Lifetime maximum benefit, Assignment of benefits, Period of coverage, Standard and optional provisions, Time of payment, Physical exam, Cancellation, Mandatory vs. optional, Riders, Eligible expenses, Deductibles, Subrogation, Exclusions, Benefit limits
Read the Individual Accident and Health Provisions study guide
Sample questions & answers
1. The provision giving a health policyowner time to examine a new policy and return it for a refund is called what?
Free look provision
The free look provision lets the policyowner examine a new health policy for a set number of days and return it for a full refund if not satisfied.
2. The grace period in a health insurance policy allows what?
Payment of an overdue premium without loss of coverage
A grace period lets an overdue premium be paid while coverage continues; Minnesota requires at least 7, 10, or 31 days depending on premium mode.
3. Under the reinstatement provision a lapsed health policy that is reinstated generally covers sickness only after what?
More than ten days after reinstatement
Under Minnesota's reinstatement provision, a reinstated policy covers sickness only if it begins more than ten days after the reinstatement date.
4. The notice of claim provision requires the insured to do what?
Notify the insurer of a claim within a stated time
Minnesota's notice of claim provision requires written notice within 20 days after a covered loss or as soon as reasonably possible.
Practice: Individual Accident and Health Provisions
Answer choices are shuffled every time, and every question comes with an explanation.
Practice questions are study aids generated for exam preparation and are not actual exam questions. Content is provided for educational purposes and is not legal advice. Verify current statutes, rules, and exam specifications with the Insurance Department and the exam administrator before relying on it.
